There are many fund products that ICBC can invest in, and the question of what fund to buy in ICBC is also repeatedly mentioned by everyone. In this regard, experts suggest that you can choose a suitable fund according to your own risk preference characteristics, because the risk characteristics of various funds are different, and there are also relatively excellent fund varieties in various funds.

The biggest advantage of fixed investment is that it can average the borrowing cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form a borrowing method of lightening positions on rallies and overweight on dips. Index fund is the first choice for fixed investment, because it is less interfered by human factors and only passively tracks the index. In the case of long-term economic growth in China, long-term fixed investment is bound to obtain a better expected annual rate of return. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.

However, we must insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to turn cash dividends into dividends and then lend them out. In this way, if the fund company pays dividends and the fund company buys the fund again, there is no handling fee for this part of the fund, which saves the cost and can also generate compound interest income.